*O.A.C. Subject to terms of the Flexiti cardholder agreement. Available plans depend on merchant and in-store or online shopping. Minimum purchase may apply; varies by merchant, see merchant for details. Deferred payment – no interest, no payments: no payments are required during the promo period. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Equal monthly payments – no interest: no interest is payable during the promo period. Purchase is to be paid in equal monthly payments of principal plus payment protection insurance premiums, fees, and taxes, if applicable. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), and 39.99%. Any balance at the end of the promo period bears interest at the Account AIR. Admin fees may apply depending on the merchant and will be financed with purchase; fee amounts are based on promo term length (not applicable for Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. No payments deferred plans are not available for Quebec residents, however, other deferred interest promos may be available; varies by merchant. Regular Credit Purchase: Interest-free grace period of 21 days applies for new standard revolving purchases that appear on an account statement for the first time if the balance is paid in full by the payment due date. Promos and terms may be changed without notice. Eligibility for promotions varies with cardholder creditworthiness. 

**O.A.C. Available at select merchants. Subject to terms of the Flexiti cardholder agreement. Minimum purchase may apply. Promo periods between 24 to 60 months may be available, depending on the merchant. Purchase amount will be charged to your account in equal monthly payments of principal and interest at promo annual interest rate of 19.99% or 29.99% (promo annual interest rate depends on cardholder creditworthiness and will be advised prior to purchase), plus payment protection insurance premiums, fees and taxes, if applicable. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the account annual interest rate (“Account AIR”). Any balance at the end of the promo period bears interest at the Account AIR. Account AIR is 39.99% or 45.99% (35% for Quebec residents) or as advised upon account approval and on your monthly statement. Monthly admin fee applies; amount varies based on merchant, purchase amount and promo term length and will be financed with purchase (not applicable for Quebec residents). Annual fee of $99.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Promos and terms may be changed without notice. 

¹ Instant financing is conditional upon ID and on approved credit and valid email address required. Applications may be subject to a secondary, manual review

Financing provided by Flexiti Financial. B.C. Licence No. 83660. Flexiti, FlexitiCard, Flexiti Wave Card, flexible way to pay, Simply Secure, live now, pay later, Flexiti Network and the Flexiti design are trademarks of Flexiti Financial Inc.